How do you know when...?

[Koda]

you're ready to stop loaning and buy your first horse?

I have had lots of horses that were my own, but bought by my parents. This would be my first adult purchase with my own savings. I am working part time in a management position, and doing my PhD the other part of the time. I have been loaning a lovely mare who I have had alot of success on, and I can afford to keep her as long as I have a sharer (which I've always managed to find). The loan horse was always supposed to be temporary (had her 1 year), and now I've brought her on as much as she can go, she's 13, and I'd like to find my own youngster to bring on.
On the one hand I think: I've got a great situation and if it aint broke, don't fix it. We're winning loads and having great fun together.

On the other hand: I am really starting to want a young horse all my own that I can bring on, but I'm afraid of not having that 'I'm only loaning, so if I lose my job or something I don't have to worry about selling' safet net.

Ugh! So confused....to buy or not to buy.....any suggestions?

 

[Divasmum]

I would keep things as they are at the moment but possibly get a youngster further down the line.

 

[baymareb]

I would say that if your ability to afford a horse depends on having a sharer, it's not quite time yet. Particularly if your goal is to buy a young horse. Harder to find someone experienced enough to share one.

The thing is, there are always things that come up - unexpected vet expenses, saddle fitters, that sort of thing. I waited until I felt very secure and I still scramble on occasion.